It would be a disaster short-term, mainly because of hurt feelings on both sides getting in the way of logical business and political decisions. Medium-term, it'll be more a disaster for the remaining UK than Scotland. Long-term, I think everyone will muddle through and figure out how to make things work. Scotland and the UK will not be as strong on the international stage separated from each other than they were together, but that was the trend all throughout Europe anyway, wasn't it?
Certainly Scotland will have some growing pains, and need to figure out how to actually govern themselves, and see what they can actually afford to do. The UK will likely need to cut back quite a bit on the government they have, but their government is likely to swing Tory anyway. The UK may very well drop out of the EU without the Scotland vote, and Scotland is by no means guaranteed to be admitted into the EU, by themselves.
I cannot speak to internal Scottish politics or corruption post-independence, but I don't imagine these young kids who voted for independence will be that forgiving of such things in the wake of all this.